When You Think the Transaction Is Fraudulent: If you want to cancel a credit card transaction because you think it is fraudulent, the first thing you should do is search online for the name of the biller, as listed on your credit card account. The specific charge on mine for Focus WC CT had a phone number and when I put it in my phone, it came up as Capital Taco (restaurant in Wesley Chapel). Is Refinancing Your Student Loan Worth It? If its a complaint regarding the quality of goods and services, you must first contact the merchant about the issue before making a dispute. Filing a dispute doesnt necessarily impact a credit score. //